The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$23,432
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,161
−HK$741/mo
Today · 4.125%
HK$24,902
baseline
▲ 0.50% · 4.625%
HK$26,417
+HK$1,515/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,804/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,068
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,768
−HK$709/mo
Today · 4.125%
HK$27,477
baseline
▲ 0.50% · 4.625%
HK$28,925
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,954/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,119
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,994
−HK$888/mo
Today · 4.125%
HK$29,882
baseline
▲ 0.50% · 4.625%
HK$31,701
+HK$1,819/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,764/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,282
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,121
−HK$851/mo
Today · 4.125%
HK$32,972
baseline
▲ 0.50% · 4.625%
HK$34,710
+HK$1,738/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,944/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,805
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,826
−HK$1,037/mo
Today · 4.125%
HK$34,863
baseline
▲ 0.50% · 4.625%
HK$36,984
+HK$2,121/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,726/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,496
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,475
−HK$992/mo
Today · 4.125%
HK$38,467
baseline
▲ 0.50% · 4.625%
HK$40,495
+HK$2,028/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,934/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,178
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,490
−HK$1,333/mo
Today · 4.125%
HK$44,823
baseline
▲ 0.50% · 4.625%
HK$47,551
+HK$2,728/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,646/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,923
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,182
−HK$1,276/mo
Today · 4.125%
HK$49,458
baseline
▲ 0.50% · 4.625%
HK$52,065
+HK$2,607/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,916/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,359 · Scale 2, in force from 26 Feb 2026)